Thank you for clarifying that she is not on the title. The lease is not valid, a person may not lease property which either she does not own or for which she is not an agent with authority granted by the owner. She did not have the legal authority to lease if not an owner and the agent of the owner.
Now you believed she was the owner and she presented herself as such so you still are protected under the landlord tenant act. She can't enforce a lease agreement which she had no authority to enter into. In other words, she lacks the standing to evict based on non-payment of rent. Any information reported to the credit bureaus (which likely would only be an eviction
-which she cannot get) could be disputed and removed as inaccurate based on the agreement being invalid.
From a practical standpoint, if I were in your shoes, I would be looking for a new place to rent immediately and vacate the premises just to avoid potential headaches down the road.
All my best & encouragement.
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